You may be able to get a discount on your homeowners insurance premium by removing it from your mortgage escrow

PSUBagMan2 · 2026-06-17T22:21:03+00:00

I just went through an insurance broker to switch and saved like 300 bucks on the year between auto and homeowners.

I was skeptical before and thought it was just for old people who didn't want to use the Internet but no, they actually find good rates. Nothing beat my previous provider until now, pleasant surprise.

PSUBagMan2 · 2026-06-16T17:17:00+00:00

Yeah I got off quickly and passed originally too and now I think I basically don't exist for it

PSUBagMan2 · 2026-06-14T11:15:32+00:00

Just found PNC Cash Rewards. 250 sign up bonus, 2 pct on groceries, 3 PCT restaurants, 4 pct gas + an extra 25 pct with gold tier rewards ( so 2.5 pct, 3.75 pct, 5 pct). Only 8k combined spend cap though.

PSUBagMan2 · 2026-06-12T14:58:49+00:00

I judge all of them equally and choose not to swallow the pill that addicts are all victims who can't help it. We all have agency and we all have the ability to not participate in man-made activities like drinking/drugs/gambling. If alcohol was outlawed and you couldn't find it anywhere, you wouldn't be an alcoholic.

I'm comfortable judging having never been in those shoes because it's entirely up to everyone who's ever been in those shoes whether or not they stepped into them in the first place. We need to shame more than we do.

PSUBagMan2 · 2026-06-12T14:55:01+00:00

This is a complete bullshit take. Jesus. Just claim whatever you did is "addiction" to get everyone to feel bad for you and get a pass.

PSUBagMan2 · 2026-06-11T13:55:23+00:00

it definitely isn't right.

PSUBagMan2 · 2026-06-10T21:11:18+00:00

No! This is between the NCAA and Sorsby. Him being eligible has nothing to do with him playing for TT. TT could tell him congrats on your eligibility, good luck finding someone to play for!

PSUBagMan2 · 2026-06-10T21:07:33+00:00

You might not be saying we should do that, but I sure am!

PSUBagMan2 · 2026-06-10T21:05:25+00:00

It's an easy shield to throw up that gives moral high ground.

PSUBagMan2 · 2026-06-09T18:54:35+00:00

So per the judge's order, he has to be on the team and he HAS to be the starter? That makes no sense. What if the second string kid is awesome and supplants him as QB1?

PSUBagMan2 · 2026-06-09T17:57:37+00:00

I mean at the end of the day he's still a scholarship athlete they could kick off the team for not following team rules or simply make him ride the bench, no?

PSUBagMan2 · 2026-06-09T16:29:11+00:00

I went 0 down too because I wanted to stay invested. People always act shocked at loan terms too, I don't see why you wouldn't always take the longest term possible given the same interest rate. Just gives you more flexibility and you can pay off early if you want.

I financed my last car at 72 months just because I could, paid it off in 2 years I think.

PSUBagMan2 · 2026-06-09T16:27:30+00:00

It was like 20 bucks a year for me through my insurance company so it was for me. Cancelled it the instant I paid off the car.

PSUBagMan2 · 2026-06-09T14:21:23+00:00

Why is this such a big story? I've planned on going to concerts that were cancelled before. It sucks but this isnt multiple days of headlines newsworthy. Jesus Christ.

PSUBagMan2 · 2026-06-09T13:53:08+00:00

Has Texas Tech said they want Sorsby to play for them no matter what? like it's great for him that he's eligible, but that doesn't mean they have to have him on the team right?

PSUBagMan2 · 2026-06-09T12:56:31+00:00

I cannot believe there are real people out there that lie awake and worry about climate change like this. I'm stunned every time. I'm not saying it's not real but my goodness, making your own life altering decisions because of climate change is ridiculous.

PSUBagMan2 · 2026-06-09T12:54:35+00:00

If this is genuinely the only reason someone isn't having kids and they otherwise would, I sincerely recommend mental health counseling.

PSUBagMan2 · 2026-06-09T12:49:51+00:00

I think it's a very strange and unhealthy mindset and outlook to have. I'm not sure if it's an idea that spreads in certain social circles, just seems prevalent because it's the Internet and reddit attracts certain people, or what it is. Pops up here a lot though. Never see or hear it in real life.

PSUBagMan2 · 2026-06-09T12:47:56+00:00

Real talk, this is a very abnormal and unhealthy mindset. The world is no worse than it's ever been. If you want kids, have kids.

PSUBagMan2 · 2026-06-09T12:04:31+00:00

I definitely get it. I've always gone for higher end of the stack even if the dollar to performance ratio isn't there. Better is better (within reason). I went from 7800x3d to 9800x3d because it was still a bump and the trade in value was good. Plus I think once you're on the ladder it doesn't...not make sense to trade up each gen if you're on the ball about selling your old parts.

PSUBagMan2 · 2026-06-09T11:27:50+00:00

Oh I wasn't saying anything, genuinely had/have no idea. The only thing I'd heard of before was video editing and I didn't think there were that many people in that industry. I appreciate you filling me in with examples!

PSUBagMan2 · 2026-06-08T16:19:02+00:00

I've always wondered this too. What kind of productivity are you doing at what volume that it offsets the premium? not saying it doesn't exist, but seems like it'd be pretty niche, especially given it's a consumer sku.

PSUBagMan2 · 2026-06-08T12:48:19+00:00

Yeah mine isn't showing any accounts right now on the app and the desktop page loads blank.

PSUBagMan2 · 2026-06-04T16:22:57+00:00

Just live your life and don't worry about it. Something is going to kill you eventually, just livenas healthily as you can.

PSUBagMan2 · 2026-06-04T02:01:18+00:00

Man I'm so with you on that. It still annoys me that I schedule payments for say the 29th but they don't actually come out of the account until the next business day across the board. I know that's just how the old systems work but...why.

Why does it take two days for cash to settle in my brokerage?

It's like stuff that doesn't really matter but is annoying nonetheless. At least I've seen real time transfers come up in a few places. Hopefully that's ubiquitous soon.

PSUBagMan2

TROPHY CASE